U.S. patent number 4,608,485 [Application Number 06/634,266] was granted by the patent office on 1986-08-26 for automatic transfer transaction processing apparatus.
This patent grant is currently assigned to Kabushiki Kaisha Toshiba. Invention is credited to Kenji Miura.
United States Patent |
4,608,485 |
Miura |
August 26, 1986 |
Automatic transfer transaction processing apparatus
Abstract
An automatic transfer transaction processing apparatus has a
passbook/transfer card printing/reading section for issuing a
transfer card printed with transfer information as the bank name,
branch name, account number, item number and name of the account of
the transferee and the name and phone number of the transferer or
the name and account information of the transferer. The transfer
card has a magnetic stripe for storing the transfer information.
When this transfer card is inserted in the passbook/transfer card
printing/reading section on a subsequent occasion, the section
reads the transfer information therefrom, which is then processed
by the automatic transfer transaction processing apparatus.
Inventors: |
Miura; Kenji (Nagoya,
JP) |
Assignee: |
Kabushiki Kaisha Toshiba
(Kawasaki, JP)
|
Family
ID: |
26394232 |
Appl.
No.: |
06/634,266 |
Filed: |
July 25, 1984 |
Foreign Application Priority Data
|
|
|
|
|
Jul 25, 1983 [JP] |
|
|
58-135414 |
Mar 22, 1984 [JP] |
|
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59-53527 |
|
Current U.S.
Class: |
235/379; 902/18;
902/20; 902/4 |
Current CPC
Class: |
G07F
19/205 (20130101); G07F 19/20 (20130101) |
Current International
Class: |
G07F
19/00 (20060101); G06R 015/30 () |
Field of
Search: |
;235/379 |
References Cited
[Referenced By]
U.S. Patent Documents
Foreign Patent Documents
Primary Examiner: Pitts; Harold I.
Attorney, Agent or Firm: Cushman, Darby & Cushman
Claims
What is claimed is:
1. An automatic transfer transaction processing apparatus
comprising:
input means for entering transfer information;
transfer transaction processing means for performing the transfer
transaction process in accordance with the transfer information
entered at said input means;
card-like medium issuing means for issuing a card-like medium
having at least part of the transfer information entered at said
input means when the transfer transaction process is finished;
and
reading means for reading the card-like medium.
2. An apparatus according to claim 1, wherein the transfer
information stored in said card-like medium comprises at least
transferee information and transferer information.
3. An apparatus according to claim 1, further comprising:
an identification card reader for reading information from an
identification card having at least account information; and
means for selectively recording and printing, as transferer
information, the account information of the identification card
when the transfer transaction process is performed by using the
identification card, and as the transferer information operation
information entered by said input means when the transfer
transaction processing is performed by using cash, and for issuing
the card-like medium.
4. An apparatus according to claim 2, further comprising:
an identification card reader for reading information from the
identification card having at least account information; and
means for selectively recording and printing, as transferer
information, the account information of the identification card
when the transfer transaction process is performed by using the
identification card, and as the transferer information operation
information entered by said input means when the transfer
transaction process is performed by using cash, and for issuing the
card-like medium.
5. An apparatus according to claim 1, wherein the card-like medium
has a magnetic stripe for recording the transfer information.
6. An apparatus according to claim 3, wherein the card-like medium
has a magnetic stripe for recording the transfer information.
Description
BACKGROUND OF THE INVENTION
The present invention relates to an automatic transfer transaction
processing apparatus in an automatic banking apparatus such as an
automatic teller machine capable of transferring cash from one
given financial institution to another.
Automatic banking apparatuses have been greatly developed as
automatic transaction processing equipment. These automatic banking
apparatuses include: an automatic cash dispensing apparatus which
automatically dispenses bank notes whose total amount is specified
by a customer, while the apparatus communicates with a host
computer to confirm whether or not the withdrawal transaction
process can be performed in accordance with account information
from a stripe on an inserted magnetic ID card of this customer;
another automatic cash dispensing apparatus which automatically
dispenses bank notes whose total amount is specified by a customer,
while the apparatus communicates with the host computer to confirm
whether or not the withdrawal transaction process can be performed
in accordance with account information from a stripe on an inserted
passbook; an automatic deposit transaction processing apparatus
which automatically receives several bank notes inserted all at
once with a passbook having an account information magnetic stripe;
and an automatic teller machine which performs an automatic
withdrawal transaction process and an automatic deposit transaction
process. With these types of automatic banking equipment, financial
institutions, such as banks, offer better service to their
customers.
Another automatic teller machine has recently been developed.
According to this automatic teller machine, cash is recieved and
automatically transferred to an account of a different bank, or a
desired amount specified by a customer can be automatically
transferred from his own account to an account of a different
bank.
However, all pieces of transfer information such as the transfer
amount, the name of the designated financial institution, the
branch name, the account number, the item, the name of the account,
and the transferer's name and telephone number must be typed in for
every transaction. The name of the account and the transferer's
name and telephone number may be replaced with a transferer's name
and account number. Even when the transfer operations are
periodically performed for the same transferee, all input
operations must be performed for every transaction, thereby
resulting in a cumbersome operation.
SUMMARY OF THE INVENTION
It is an object of the present invention to provide an automatic
transfer transaction processing apparatus capable of simplifying
the key input operation for the transfer transaction.
In order to achieve the above object of the present invention,
there is provided an automatic transfer transaction processing
apparatus comprising:
input means for entering transfer information;
transfer transaction processing means for performing the transfer
transaction process in accordance with the transfer information
entered at said input means;
card-like medium issuing means for issuing a card-like medium
having at least part of the transfer information entered at said
input means when the transfer transaction process is finished;
and
reading means for reading the card-like medium.
According to the present invention, when a customer selects the
issuance of a transfer card at the time of a transfer transaction,
the automatic transfer transaction processing apparatus records
transfer information on the transfer card and issues a card to the
customer. When the customer wishes to perform another transfer
transaction later on and inserts the transfer card, the apparatus
automatically reads the transfer information from the transfer
card, and thereby performs the transfer transaction process in
accordance with the read information.
According to the automatic transfer transaction processing
apparatus, when the customer periodically wishes to perform
transfer transactions for the same transferee, he uses the transfer
card and enters only a transfer amount or cash amount in the second
and subsequent transactions. As a result, the customer can greatly
shorten the key input time, thereby offering better service and
improving the utilization efficiency of the transfer transaction
process.
BRIEF DESCRIPTION OF THE DRAWINGS
Other objects and features of the present invention will be
apparent from the following description with the accompanying
drawings, in which:
FIG. 1 is a perspective view showing the outer appearance of an
automatic transfer transaction processing apparatus according to
the present invention;
FIG. 2 is a plan view showing a display state of a CRT display unit
in the apparatus of FIG. 1;
FIGS. 3 and 4 are plan views showing transfer cards having
different types of transfer information thereon, respectively;
FIG. 5 is a block diagram showing the internal configuration of the
automatic transfer transaction processing apparatus shown in FIG.
1;
FIG. 6 is a sectional view of a transfer card printing section
shown in FIG. 5; and
FIGS. 7A through 7I are respectively flow charts for explaining the
operation of the automatic transfer transaction processing
apparatus of FIG. 1.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT
FIG. 1 shows an automatic teller machine as an automatic transfer
transaction processing apparatus according to an embodiment of the
present invention. An L-shaped operating section 2 is formed at the
front side of a housing 1. A bank note inserting/dispensing port 3
is formed in a horizontal panel of the operating section 2 to
receive a number of bank notes to be transferred or remitted at
once or to dispense small change. A door 4 is mounted on the bank
note inserting/dispensing port 3 to be opened/closed as needed. A
color CRT display unit 5 incorporating a touch sensor is arranged
on the horizontal panel of the operating section 2. The CRT display
unit 5 displays illustrations, characters or messages for operating
procedures and any other necessary information on a CRT screen so
as to instruct the customer. When the customer depresses portions
of the CRT display unit 5 which correspond to a keycode, an amount,
an account number and an approval, confirmation or cancellation of
a transfer transaction, a touch sensor (not shown) detects the key
input signals supplied to a main control section 11 (to be
described later). As shown in FIG. 2, the message "PLEASE INPUT
TRANSFEREE", katakana keys 51 for entering a transferer's name,
business type keys 82 for specifying the type of business of a
transferee, an alphanumeric key 83, a correction key 84 and an end
key 85 are displayed on the CRT screen. The business type keys 82
comprise a key 82.sub.1 representing a limited company, a key
82.sub.2 representing a limited responsibility company, a key
82.sub.3 representing an unlimited partnership, a key 82.sub.4
representing a limited partnership, a key 82.sub.6 representing a
medical corporation, a key 82.sub.7 representing a foundation, a
key 82.sub.8 representing a corporation, a key 82.sub.9
representing a religious corporation, a key 82.sub.10 representing
a school corporation, a key 82.sub.11 representing a branch, a key
82.sub.12 representing a business office, and a key 82.sub.13
representing a branch office. When the operation step changes, the
display contents change.
A card inserting/dispensing port 6 for inserting an ID card having
account information, such as a keycode and an account number, and
then dispensing it after the operation has been completed, a
passbook/transfer card insertion port 7 for inserting a passbook or
a transfer card 10 (FIG. 5), a receipt dispensing port 23 for
dispensing a receipt, a coin insertion port 8 for inserting coins,
and a coin dispensing port 9 for dispensing coins are formed in the
vertical panel in the operation section 2.
As shown in FIGS. 3 and 4, the transfer cards 10 have on their
surfaces 31 destination information, i.e., the name and the branch
name of the financial institution holding the transferee's account,
and transferee information comprising the item number, the account
number and account name thereof. However, as for information of the
transferer, the transfer card 10 of FIG. 3 has the transferer name,
the bank code, the branch code and the account number thereof,
while the transfer card 10 of FIG. 4 has the transferer name and
telephone number. In each card, a magnetic stripe 32 is formed on
the rear surface of the transfer card to store the transfer
information.
As shown in FIG. 5, the housing 1 includes: the main control
section 11 for controlling the overall operation of the automatic
transfer transaction process; an MC reading section 12 for
receiving an ID magnetic card (MC) inserted in the card
inserting/dispensing port 6 and reading account information such as
a keycode and an account number from the magnetic stripe 32; a
passbook/transfer card printing/reading section 13 for reading
information from the magnetic stripe on the passbook inserted in
the passbook/transfer card insertion port 7, recording a
transaction content on the passbook and journal paper, dispensing
the transfer card 10 printed and recorded with the transfer
information of the transfer transaction, or reading the transfer
information from the magnetic stripe 32 of the transfer card 10
inserted from the passbook/transfer card insertion port 7; a
receipt printing section 24 for dispensing a transaction result
printed receipt from the receipt dispensing port 23; a note teller
14 for receiving bank notes inserted in the bank note
inserting/dispensing port 3 and dispensing a specified amount of
bank notes from the port 3; a coin teller 15 for receiving coins
inserted from the coin insertion port 8 and dispensing a specified
amount of coins from the coin dispensing port 9; a touch sensor
color CRT 16 which comprises the CRT display unit 5; an audio
instruction unit 17 for instructing the customer by producing an
audio message from a loudspeaker (not shown); a personnel internal
monitor 18; a floppy disk 19 for storing transaction data; a data
transfer control 20 for controlling data transfer between the main
control section 11 and a host computer (not shown); and a power
unit 21.
The main control section 11 comprises a one-chip microcomputer
which includes a central processing unit (CPU) 11.sub.1, a read
only memory (ROM) 11.sub.2 for storing a control program shown in
the flow charts of FIGS. 7A through 7I, a random access memory
(RAM) 11.sub.3 used as a work area for arithmetic operation of data
or the like, and an I/O port 11.sub.4 for controlling the
input/output operation of data with the respective units of the
automatic transfer transaction processing apparatus. The one-chip
microcomputer comprises, for example, an i8086 available from Intel
Corp., U.S.A. An external remote monitor 22 for personnel use is
connected to the main control section 11.
The passbook/transfer card printing section 13 is arranged, as
shown in FIG. 6. The passbook/transfer card insertion port 7
communicates with a front end face of a case 42. A photodetector 43
is arranged near the insertion port 7 to optically detect the
passbook or transfer card 10 inserted via the port 7. A convey path
44 is formed from the photodetector 43 to the rear portion of the
case 42 substantially along the horizontal direction. The convey
path 44 is constituted by drive rollers 45, pinch rollers 46 in
rolling contact therewith, respectively, guide members 47 and the
like. The drive rollers 45 are all driven by a pulse motor 48
through belts, except for the drive roller located at the trailing
end of the convey path 44 which is driven by another pulse motor
49. A magnetic head 50 as the MC reader is arranged at the leading
edge of the convey path 44. The magnetic head 50 reads information
from or writes it in the magnetic stripe 32 of the passbook or the
transfer card 10. The magnetic head 50 is brought into contact with
the magnetic stripe 32 as needed and is slid along the magnetic
stripe (in the direction perpendicular to the convey direction of
the passbook or the transfer card 10), thereby performing the
information read/write operation.
A platen roller 54 is rotatably supported midway along the convey
path 44. An electromagnetic brake 55 as a lock mechanism is coupled
to the platen roller 54. The platen roller 54 is locked by the
electromagnetic brake 55 while the passbook or transfer card 10 is
processed. However, the platen roller 54 is rotated while journal
paper 59 is subjected to printing. A printing head 56 is arranged
above the platen roller 54. The printing head 56 is held by a
carriage 57, and the carriage 57 is guided by a slide rod 58 and
moved along the axial direction of the platen roller 54. The platen
roller 54 and the printing head 56 constitute a printing unit 76
for printing predetermined information on the passbook, the
transfer card 10 or the journal paper 59. The journal paper 59 is
wound around the platen roller 54. The roll journal paper 59 is
mounted around a supply reel 60 and is taken up by a take-up reel
61 through the platen roller 54. The journal paper 59 is fed by a
supply roller 62 and a pinch roller 63. The take-up reel 61 and the
supply roller 62 are driven by a pulse motor 64 through the
respective belts. A photodetector 65 is arranged in front of the
platen roller 54 across the convey path 44 to optically detect a
passing passbook or transfer card 10. A passbook stacking box 68 is
disposed in the vicinity of the trailing end of the convey path 44
to store the conveyed passbooks.
A transfer card storage section 69 is disposed in the vicinity of
the trailing end of the convey path 44 to store new transfer cards
10 which are neither printed nor recorded with the transfer
information. The new transfer cards 10 are picked up by a pick-up
roller 70 one by one and supplied to the convey path 44.
The transfer transaction processing of the apparatus having the
construction described above will be described with reference to
the flow charts of FIGS. 7A through 7I. Assume that a customer is
standing in front of the automatic transfer transaction processing
apparatus. A message "PLEASE SELECT TRANSACTIONS" is displayed at
the CRT display unit 5, and at the same time, selection keys for
"WITHDRAWAL", "DEPOSIT", "BALANCE ENQUIRY", "PASSBOOK WRITING", and
"TRANSFER" are also displayed on the CRT screen (ST1). The customer
depresses the TRANSFER key (ST2). The main control section 11
performs the next processing step and causes the CRT display unit 5
to display a message "PLEASE SELECT CASH OR CARD" and at the same
time keys for "CASH" and "CARD" are displayed on the screen (ST3).
The customer then depresses the "CARD" key in accordance with the
message and graphic representations (ST4). The main control section
11 detects that the transfer transaction is to be performed using
the card and causes the CRT display unit 5 to display a message
"PLEASE INPUT CARD" (ST5). The customer inserts the card through
the card inserting/dispensing port 6 in accordance with the
instruction (ST6). The card is inserted in the MC reading section
12, so that a magnetic head (not shown) reads account information
such as a keycode and an account number from the magnetic stripe
32. The account information is checked by the main control section
11.
When the main control section 11 detects that a wrong card is
inserted, the section 11 performs error processing. However, when
the main control section 11 detects that the correct card is
inserted, the control section 11 causes the CRT display unit 5 to
display "PLEASE INPUT KEYCODE", and at the same time, the ten keys
and the correction key 84 are illustrated on the CRT screen (ST7).
When the customer enters his keycode (ST8), the main control
section 11 checks whether or not the keycode coincides with the
registered keycode. When no coincidence between the input keycode
and the registered keycode is established, the keycode input
operation is repeated. However, when coincidence between the input
keycode and the registered keycode is established, the main control
section 11 causes the CRT display unit 5 to display a message
"PLEASE INPUT AMOUNT". At the same time, the ten keys and the
amount key are illustrated on the CRT screen (ST9). When the
customer enters the amount to be transferred (ST10), the main
control section 11 causes the CRT display unit 5 to display a
message "PLEASE SELECT KEY OR CARD OPERATION". At the same time, a
REGISTRATION key and a transfer card designation key (KEY
OPERATION) are displayed on the CRT screen (ST11). The designation
key is used for entering new transfer data such as the name of a
financial institution and an account number. On the other hand, the
registration key is used when the transfer information is already
registered.
The customer depresses the designation key in accordance with the
message and graphic representations (ST12). When the main control
section 11 detects that the designation key is depressed, the
section 11 causes the CRT display section 5 to display a message
"PLEASE INPUT BANK NAME", and financial institution selection keys
are displayed on the screen (ST13). The customer then enters the
desired bank name (ST14).
When the customer enters the desired bank name, the main control
section 11 checks a list of all bank branches of the specified bank
and causes the CRT display section 5 to display a message "PLEASE
INPUT BRANCH NAME", and at the same time the branch selection keys
are illustrated on the CRT screen (ST15). The customer enters the
branch name (ST16). By this selection, the main control section 11
causes the CRT display unit 5 to display a message "PLEASE INPUT
ITEM AND ACCOUNT NUMBER". At the same time, the ten keys, the
correction key 84, a savings account key and a checking account key
are illustrated on the CRT screen (ST17). The customer enters the
account number and the transaction item in accordance with the
message and the graphic representations (ST18). When the main
control section 11 detects that the specified information is
correctly entered and that the specified branch is not a main
branch, the main control section 11 causes the CRT display unit 5
to display a message "PLEASE INPUT TRANSFEREE". At the same time,
the katakana keys 51, the correction key 84, and the end key 85 are
illustrated on the CRT screen (ST19). When the customer depresses
the end key 85 (ST20), the main control section 11 causes the CRT
display unit 5 to display a message "IN OPERATION" (ST21).
Thereafter, the main control section 11 exchanges information with
a host computer and causes the printing unit 76 to print the
information on the journal paper 59. The main control section 11
then causes the CRT display unit 5 to display a message "PLEASE
CONFIRM". At the same time, the transfer content, a confirmation
key and a cancellation key are graphically displayed on the CRT
screen (ST22). The customer thus depresses the confirmation key or
the cancellation key (ST23).
When the main control section 11 detects that the cancellation key
is depressed, the section 11 performs the canceling process.
However, when the main control section 11 detects the confirmation
key is depressed, the section 11 causes the CRT display unit 5 to
display a message "IN OPERATION" (ST24). The main control section
11 receives electronic funds transfer (EFT) information and causes
the printing unit 76 to print this information on the journal paper
59. The main control section 11 then causes the CRT display unit 5
to display a message "TRANSFER CARD REQUIRED?", and at the same
time, a YES key and a NO key are graphically illustrated on the CRT
screen (ST25). When the customer depresses the YES key in
accordance with the message and the graphic representations (ST26)
the main control section 11 causes the passbook/transfer card
printing/reading section 13 to print the name of the designated
financial institution, the branch name, the account number, the
item number and the name of the account of the transferee, and the
name and the account information of the transferer. These pieces of
information are also recorded in the magnetic stripe 32. As a
result, the transfer card 10 shown in FIG. 3 is dispensed from the
passbook/transfer card insertion port 7.
The new transfer card 10 is removed by the pick-up roller 70 from
the storage section 69 and is conveyed along the convey path 44 in
a direction indicated by an arrow a. When the trailing end of the
transfer card 10 opposes the printing head 56, the transfer card 10
is conveyed in a direction given by an arrow b. In this case, the
transfer information is printed by the printing head 56 on an upper
surface 31 of the transfer card 10. When printing is finished, the
transfer card 10 is conveyed again in the direction indicated by
arrow a. When the magnetic stripe 32 opposes the magnetic head 50,
the transfer information is recorded in the magnetic stripe 32.
Thereafter, the transfer card is dispensed from the port 7. In this
case, the main control section 11 causes the CRT display unit 5 to
display a message "PLEASE RECEIVE TRANSFER CARD" (ST27). The
customer receives the transfer card 10 in accordance with this
message (ST28). When the transfer card 10 is received by the
customer, or the customer depresses the NO key in step 25 (ST29),
the main control section 11 causes the CRT display unit 5 to
display a message "PLEASE RECEIVE CARD AND RECEIPT" (ST30). The
customer then receives the card and the receipt, and the transfer
transaction processing is ended (ST31).
On the other hand, when the registration key is depressed in step
32, the main control section 11 causes the CRT display unit 5 to
display a message "IN OPERATION" (ST33). The main control section
11 exchanges information with the host computer and causes the
printing unit 76 to print the result on the journal paper 59. The
main control section 11 then causes the CRT display unit 5 to
display a message "PLEASE CONFIRM". At the same time, the transfer
content is displayed and the confirmation key and the cancel key
are graphically illustrated on the screen (ST34). The customer has
depressed the confirmation key or the cancel key (ST35). When the
main control section 11 detects that the customer has depressed the
cancellation key, the section 11 performs the canceling process.
However, when the main control section 11 detects that the customer
has depressed the confirmation key, the section 11 causes the CRT
display unit 5 to display a message "IN OPERATION" (ST36). When the
main control section 11 receives the electronic funds transfer
result, it causes the printing unit 76 to print the result on the
journal paper 59. Subsequently, the main control section 11 causes
the CRT display unit 5 to display a message "PLEASE RECEIVE CARD
AND RECEIPT" (ST37). The customer then receives the transfer card
10 and the receipt (ST38), and the automatic transfer transaction
process is ended.
On the other hand, when the transfer card 10 is inserted via the
passbook/transfer card insertion port 7 in ST39, the transfer card
10 is inserted in the transfer card printing/reading section 13,
and the magnetic head 50 reads the transfer information (i.e., the
name of the financial institution, branch name, account number,
item number and name of the account of the transferee, and the name
and account information of the transferer) from the stripe 32. The
read signals are supplied to the main control section 11. The main
control section 11 causes the CRT display unit 5 to display a
message "PLEASE CONFIRM", and at the same time the transfer content
is displayed, and the confirmation and cancellation keys are
graphically illustrated on the CRT screen (ST40). The customer
depresses the confirmation or cancellation key in accordance with
the message and graphic representations (ST41). When the main
control section 11 detects that the cancellation key is depressed,
the canceling process is executed. However, when the main control
section 11 detects that the customer has depressed the confirmation
key, the section 11 causes the CRT display unit 5 to display a
message "IN OPERATION" (ST42). When the main control section 11
receives the electronic funds transfer information, it causes the
printing unit 76 in the transfer card printing/reading section 13
to print the result on the journal paper 59. At the same time, the
transfer card 10 inserted in the transfer card printing/reading
section 13 is dispensed from the port 7 under the control of the
main control section 11. In this case, the main control section 11
causes the CRT display unit 5 to display a message "PLEASE RECEIVE
TRANSFER CARD" (ST43). The customer then receives the transfer card
10 in accordance with the message described above (ST44). When the
customer has received the transfer card 10, the main control
section 11 causes the CRT display unit 5 to display a message
"PLEASE RECEIVE CARD AND RECEIPT" (ST45). The customer then
receives the card and the receipt (ST46), and the automatic
transfer transaction process is ended.
On the other hand, when the customer depresses the CASH portion in
ST3, the main control section 11 detects that the customer wishes a
cash transfer (ST47). The main control section 11 then causes the
CRT display 5 to display a message "PLEASE INPUT TRANSFER AMOUNT",
and the ten keys and the amount key are graphically illustrated
(ST48). The customer enters a transfer amount in accordance with
the message and graphic display (ST49). The main control section 11
then causes the CRT display section 5 to display a message "PLEASE
SELECT KEY OR CARD OPERATION". At the same time, the designation
key for the KEY OPERATION, which designates the transferee, is
graphically displayed on the CRT screen (ST50). The customer
depresses the designation key in accordance with the message and
graphic display (ST51). When the main control section 11 detects
that the customer has depressed the designation key, the section 11
causes the CRT display unit 5 to display a message "PLEASE SELECT
BANK". At the same time, the financial institution selection keys
are graphically illustrated (ST52). The customer then selects a
desired bank (ST53). The main control section 11 then checks a list
of branches and causes the CRT display unit 26 to display a message
"PLEASE SELECT BRANCH". At the same time, the branch selection keys
are graphically illustrated on the CRT screen (ST54). When the
customer selects a desired branch (ST55), the main control section
11 causes the CRT display unit 5 to display a message "PLEASE INPUT
ITEM AND ACCOUNT NO.". At the same time, the ten keys, the
correction key, the savings account key and the checking account
key are graphically displayed on the CRT screen (ST56). The
customer enters the account number and the item number in
accordance with the message and graphic display (ST57). When the
main control section 11 detects that the customer has not selected
the main branch, the section 11 causes the CRT display unit 5 to
display a message "PLEASE INPUT TRANSFEREE". At the same time, the
katakana keys, the correction key and the end key are graphically
illustrated (ST58). When the customer depresses the end key (ST59),
or when the main control section 11 detects that the customer has
selected the main branch, the main control section 11 causes the
CRT display unit 5 to display a message "PLEASE INPUT TRANSFERER".
At the same time, the katakana keys and the end key are graphically
displayed (ST60). When the customer types the transferer name and
depresses the end key, the main control section 11 causes the CRT
display unit 5 to display a message "PLEASE INPUT PHONE NO. OF
TRANSFERER". At the same time, the ten keys and the end key are
graphically illustrated (ST62). When the customer types the
telephone number and depresses the end key (ST63), the main control
section 11 causes the CRT display unit 5 to display a message "IN
OPERATION" (ST64). When the main control section 11 receives the
electronic funds transfer information, it causes the printing unit
76 to print the received information on the journal paper 59. The
section 11 then causes the CRT display unit 5 to display a message
"PLEASE CONFIRM". At the same time, the transfer content and the
graphic representations of the confirmation and cancellation keys
are displayed (ST65). The customer depresses the confirmation or
cancellation key (ST66) in accordance with the message and graphic
display. When the main control section 11 detects that the customer
has depressed the cancellation key, the canceling process is
executed. However, when the main control section 11 detects that
the confirmation key is depressed, the section 11 causes the CRT
display unit 5 to display a message "PLEASE INSERT NOTES AND
COINS". At the same time, the confirmation and cancellation keys
are graphically illustrated (ST67). The customer inserts the bank
notes in the bank note insertion port 3 and the coins in the coin
insertion port 8 (ST68). The bank notes are received by the note
teller 14 and are discriminated and counted. Similarly, the coins
are received by the coin teller 15 and are discriminated and
counted. When discriminating and counting are finished, the main
control section 11 causes the CRT display unit 5 to display the
inserted amount (ST69). The customer depresses the confirmation or
cancellation key in accordance with the information displayed on
the screen (ST70). When the main control section 11 detects that
the cancellation key is depressed, the canceling process is
executed. However, when the main control section 11 detects that
the customer has depressed the confirmation key, the section 11
causes the CRT display 5 to display a message "IN OPERATION"
(ST71). When the main control section 11 receives the electronic
funds transfer information, the section 11 causes the printing unit
76 to print the result on the journal paper 59. The main control
section 11 compares the transfer amount with a withdrawn amount or
inserted amount and checks whether or not any small change remains.
When the main control section 11 detects that small change remains,
the section 11 causes the CRT display unit 5 to display a message
"PLEASE RECEIVE CHANGE" (ST72). In this case, the main control
section 11 causes the note teller 14 to dispense note change from
the note insertion port 3 and the coin teller 15 to dispense coin
change from the coin insertion port 9. The customer then receives
notes and coins (ST73). When the customer has received the notes
and coins, or the main control section 11 detects that no change is
left, the main control section 11 causes the CRT display section 5
to display a message "TRANSFER CARD REQUIRED?". At the same time,
the YES and NO keys are graphically displayed (ST74). When the
customer depresses the YES key in accordance with the message and
the graphic display (ST75), the main control section 11 causes the
transfer card printing/reading section 13 to print, as the transfer
information, the bank name, branch name, account number, item
number and the name of the account of the transferee, and the name
and phone number of the transferer on a new transfer card 10. The
transfer card 10 (FIG. 4) having the magnetic stripe 32 recorded
with transfer information is then dispensed from the port 7. In
this case, the main control section 11 causes the CRT display unit
5 to display a message "PLEASE RECEIVE TRANSFER CARD" (ST76). The
customer then receives the transfer card 10 (ST77). When the
transfer card 10 has been received by the customer or the customer
depressed the NO key in ST78, the main control section 11 causes
the CRT display unit 5 to display a message "PLEASE RECEIVE CARD
AND RECEIPT" (ST79). The customer then receives the card and
receipt (ST80), and the automatic transfer transaction process is
ended.
When the customer inserts the transfer card 10 in the
passbook/transfer card insertion port 7 (ST81) in accordance with
the display in ST50, the transfer card 10 is inserted in the
transfer card printing/reading section 13, and the magnetic head 50
reads the transfer information (i.e., the bank name, branch name,
account number, item number and name of the account of the
transferee, and the name and phone number of the transferer) from
the stripe 32. The main control section 11 then causes the CRT
display unit 5 to display a message "IN OPERATION" (ST82). The main
control section 11 receives the electronic funds transfer result
and then causes the printing unit 76 to print the result on the
journal paper 59. The main control section 11 then causes the CRT
display unit 5 to display a message "PLEASE CONFIRM", and the
transfer content and the graphic representations of the
confirmation and cancellation keys are displayed (ST83). The
customer enters the confirmation or cancellation key in accordance
with the message and graphic display (ST84). When the main control
section 11 detects that the cancellation key is depressed, the
canceling process is executed. However, when the main control
section 11 detects that the customer has depressed the confirmation
key, the section 11 causes the CRT display unit 5 to display the
message "PLEASE INSERT NOTES AND COINS", and the confirmation and
cancellation keys are graphically displayed (ST85). The customer
inserts the notes in the bank note insertion port 3 and the coins
in the coin insertion port 8 (ST86). The notes are received by the
note teller 14 and are discriminated and counted. Similarly, the
coins are received by the coin teller 15 and are discriminated and
counted. When discriminating and counting are finished, the main
control section 11 causes the CRT display unit 5 to display the
inserted amount in ST87. The customer depresses the confirmation or
cancel key in accordance with the message and graphic display
(ST88). When the main control section 11 detects that the
cancellation key is depressed, the canceling process is executed.
However, when the main control section 11 detects that the customer
has depressed the confirmation key, the section 11 causes the CRT
display section 5 to display the message "IN OPERATION" (ST89).
When the main control section 11 receives the electronic funds
transfer information, it causes the printing unit 76 to print the
result on the journal paper 59. The main control section 11
compares the transfer amount with the withdrawn amount or inserted
amount and checks whether or not change is left. When the main
control section 11 detects that change is left, the section 11
causes the CRT display unit 5 to display the message "PLEASE
RECEIVE CHANGE" and the amount of change (ST90). In this case, the
main control section 11 causes the note teller 14 to dispense the
bank notes to the port 3 and the coin teller 15 to dispense the
coins to the port 9. The customer then receives the change (ST91).
When the customer has finished receiving change or the main control
section 11 detects that no change is left, the main control section
11 causes the CRT display unit 5 to display the message "PLEASE
RECEIVE TRANSFER CARD" (ST92). The customer then receives the
transfer card 10 (ST93). When the customer has received the card
10, the main control section 11 causes the CRT display unit 5 to
display the message "PLEASE RECEIVE CARD AND RECEIPT" (ST94). The
customer thus receives the card and the receipt (ST95), and the
automatic transfer transaction process is ended (ST95).
* * * * *